
18853 TRACER DRIVE, LUTZ, FL, 33549
Active99 days on marketListed Apr 16, 2026MLS #TB8496978
About this home
18853 TRACER DRIVE
Located in an established area of Lutz, this expansive 5-bedroom, 4.5-bath residence offers over 4,000 square feet of living space with a layout designed for flexibility, comfort, and everyday livability. From the moment you enter, the home opens into a bright, flowing interior with multiple living areas that adapt to a variety of lifestyles. The presence of dual primary suites creates options rarely found at this scale—whether for extended household living, long-term guests, or simply the ability to spread out and live with ease. The main primary suite is positioned to take full advantage of the home’s setting, overlooking a pond with direct access to a private patio. The space is complemented by dual vanities, an oversized walk-in shower, and a generously sized walk-in closet, designed for both function and comfort. The kitchen features newer cabinetry, granite countertops, and stainless steel appliances, offering a clean and practical space that connects naturally to the main living areas. Additional updates include flooring, electrical, and plumbing, contributing to a home that is ready to be enjoyed without immediate projects. Outdoors, the pond and private dock create a quiet backdrop that adds depth to the property, while the yard provides usable space. With no HOA restrictions, the property offers a level of flexibility that is increasingly limited in the area. Optional access to ski-friendly Lake Keen, located just a few blocks away, adds another dimension for those who enjoy time on the water. Conveniently located with access to Tampa, major roadways, shopping, and dining, this home brings together space, setting, and versatility in a way that is not often available in one property. If you’re looking for: space that actually works, flexibility for real life, a setting that feels different from everything else - you should see this one.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,166
Sqft
0.31 ac
Lot size
1965
Year built
One
Levels
$150
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,312 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,312/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Lutz actives
$150 vs $244
Days on market
99 vs 35 typical
Where $150/sqft sits among the 262 Lutz actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lutz
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
The numbers that matter
The Lutz market
$580K → $487K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
147 of 262
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the Lutz median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18853 TRACER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$590,000
18852 TRACER DRIVE · same community
4 bd · 2 ba · 1,970 sqft · $299/sqft · 33 DOM
Sold · Oct ’25$260,000
18810 TRACER DRIVE · same community
3 bd · 2 ba · 1,556 sqft · $167/sqft · 13 DOM
Sold · Dec ’25$1,110,000
18312 TURNING POINT DRIVE
4 bd · 3.5 ba · 3,976 sqft · $279/sqft · 44 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 18853 TRACER DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18853 TRACER DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
18853 TRACER DRIVE FAQs
What would the monthly payment be for 18853 TRACER DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,312/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 18853 TRACER DRIVE?+
The most recent tax bill on record (2025) was $6,540. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lutz?+
At $625,000, this home is listed about 28% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$625,000 runs 28% above the Lutz median — but at 4,166 sqft it's also nearly twice the size of the typical Lutz listing.
02Time on market is leverage
99 days on market against a Lutz median of 35 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $675,000, now $625,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP ADVANTAGE · Alla Giovinco. MLS #TB8496978.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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